Michael Moh - Loan Originator NMLS 915377

09/30/2026

Want to lower your mortgage payment without refinancing? There's a way, and it doesn't touch your rate.

It's called a recast. You put a chunk of cash toward your principal, call your bank, and ask them to re-amortize the loan. Your payment drops as if you'd put that money down from day one.

If you're a Texas homeowner and you've got a bonus, an inheritance, or sale proceeds coming in, message me and I'll show you what your new payment could look like.

Recasting usually isn't available on FHA, VA, or USDA loans. Check with your lender.

Send a message to learn more

09/16/2026

There are 4 land buying websites most people have never heard of, and once you see them, you can't unsee them.

1️⃣ LandWatch.com – think Zillow for land. Vacant lots, farms, ranches, hundreds of thousands of listings.
2️⃣ LandFlip.com – owner-direct land deals. Multi-acre parcels under $10,000 are surprisingly common.
3️⃣ Bid4Assets.com – government and county tax sale auctions. Prices can look almost fake, but research the title and location before you bid.
4️⃣ CheapLand.com – cheap vacant land, plain and simple.

None of this is a secret hack. Cheap land has always existed, you just need to know where to look.

Follow along for more real estate tips you probably haven't heard before.

Send a message to learn more

09/08/2026

5.0 star review received on Experience.com for Michael Moh by Jamie C - I can’t say enough great things about Michael! He truly went above and beyond for us throughout the entire process. We had several changes along the way, and Michael was incredibly patient, understanding, and always willing to take the time to walk us through our options.
His knowledge and experience really showed. He was always available to answer our questions, explain things clearly, and help us navigate every change with confidence. We never felt rushed or like we were just another client.
Michael’s professionalism, patience, communication, and dedication made what could have been a stressful process so much easier. It’s rare to find someone who genuinely cares about the people they are helping, and Michael absolutely does.
We are extremely grateful for everything he did for us and would highly recommend Michael to anyone looking for someone knowledgeable, dependable, and willing to go the extra mile!

Click to see all 42 reviews of Guild Mortgage - Michael Moh, Loan Officer | NMLS # 915377

09/03/2026

The one paycheck rule that changed my finances (and it’s simpler than you think).

Rule #1: Pay yourself first. Not after bills. Not after shopping. First.

Then use the 60/25/15 rule:

• 60% goes to living expenses
• 25% goes to wealth building
• 15% is yours for lifestyle spending

Quick example: if you make $5,000/month, that’s $3,000 for expenses, $1,250 into savings and investments, and $750 to actually enjoy your life.

The key after that? Automate your investments, stay consistent, and avoid lifestyle inflation as your income grows.

Small habits with every paycheck add up to real wealth over time. Want help figuring out your own numbers? Send me a message, happy to walk you through it.

Send a message to learn more

08/12/2026

5.0 star review received on Experience.com for Michael Moh by Chaz C - Michael & team were great every step of the way!

Click to see all 41 reviews of Guild Mortgage - Michael Moh, Loan Officer | NMLS # 915377

08/07/2026

4.5 star review received on Experience.com for Michael Moh by Ernest M - Michael was very patient and would gladly explain everything. He was very encouraging and consistent with his words. This really helped us to build trust in the whole process.

Click to see all 39 reviews of Guild Mortgage - Michael Moh, Loan Officer | NMLS # 915377

08/05/2026

Homebuyers should know about HUD homes, down payment assistance, programs, and assumable mortgages before making an offer. HUD says some eligible buyers purchasing certain HUD-owned homes as their primary residence may qualify for FHA financing with only $100 down. Down Payment Resource tracks more than 2,000 homeownership programs, many of which can help with down payment or closing costs. Roam helps buyers search for listings with assumable, FHA and VA mortgages, which can mean taking over a much lower rate than what is available today.

That is not a loophole.
That is just knowing where to look.

07/02/2026

Same $20,000… Very different outcome! 🚨👀

DM me to see what this could look like for you.